Auto Insurance Coverage

At Direct Auto, you'll find all of the protection you need and likely pay less for it.  We've listed some of the primary auto insurance coverages here, so you'll know how to determine the best coverage plan for you.

The information provided is in summary form and some definitions may not be applicable in all states. All coverages are subject to the terms, conditions and exclusions in the auto policy, and in the event of any conflict between these definitions and the provisions in your policy, the terms of the policy will control. Please always read your policy carefully.

Bodily Injury Liability Auto Coverage

Pays for medical and legal protection should you cause bodily injury to another person while operating your vehicle.

Property Damage Liability Auto Coverage

Pays for damage to another's property caused while operating your vehicle.

Collision Auto Coverage

Pays for loss or damage to your vehicle as a result of colliding with another object or the vehicle overturning.

Comprehensive Auto Coverage

Pays for loss or damage to your covered vehicle caused by an event other than collision, such as fire, theft, natural disaster, contact with birds or animals and vandalism.

Medical Payments Auto Coverage

Pays for medical and funeral expenses incurred by you and certain others insured under your policy as a result of bodily injury or death caused by an auto accident.

Personal Injury Protection

In states with no-fault auto insurance coverage, this pays, within state specified limits, for certain medical, hospital, funeral and/or work loss expenses incurred by you, other passengers in your covered vehicle and pedestrians if struck by your covered vehicle.

Uninsured Motorist Auto Coverage

Pays for bodily injury and, in certain states, property damage sustained by you and other passengers in your covered vehicle in an accident for which the person legally liable does not have auto liability insurance or cannot be identified.  In some states it also includes coverage for damages caused by at-fault drivers who have insufficient insurance to pay your claim.

Rental Reimbursement

Coverage that helps pay for a rental car if your vehicle can't be driven due to a covered accident or loss.  Typically this coverage can only be purchased if you also purchase comprehensive and collision coverage.

Towing

Covers emergency towing costs (up to the limit selected) when your covered auto cannot be driven.

Accidental Death Auto Coverage

This coverage option pays a $5,000 death benefit to your beneficiaries if you were to die as a result of a covered accident in your vehicle.

For more on auto insurance coverage, check out our Frequently Asked Questions.